Univest Financial Corporation UVSP R2K

Financial Services · Banks - Regional · United States

https://www.univest.net

Univest Financial Corporation operates as the bank holding company for Univest Bank and Trust Co. that provides banking services in the United States. It operates through three segments: Banking; Wealth Management; and Insurance. The Banking segment offers financial services to individuals, businesses, municipalities, and non-profit organizations, including deposit taking, loan origination and servicing, mortgage banking, other general banking services, and equipment lease financing. The Wealth Management segment provides investment advisory, financial planning and trust, and brokerage services for private families and individuals, municipal pension plans, retirement plans, trusts, and guardianships. The Insurance segment offers full-service insurance brokerage agency comprising commercial property and casualty insurance, employee benefit solutions, personal insurance lines, and human resources consulting services. The company was formerly known as Univest Corporation of Pennsylvania and changed its name to Univest Financial Corporation in January 2019. Univest Financial Corporation was founded in 1876 and is headquartered in Souderton, Pennsylvania.

Market & Price

Market Cap

$1.10B

Current Price

$39.44

High / Low (52W)

$39.88 / $27.36

Beta

0.66

Valuation

Stock P/E

11.88

Industry PE

12.01

Forward P/E

10.48

PEG Ratio

1.30

Book Value

$33.50

Price to Book

1.18

P/S

3.39

EV/EBITDA

Dividend Yield

2.33%

Profitability & Returns

ROCE

ROE

10.29%

ROA

1.18%

Profit Margin

29.50%

Op Margin

40.72%

EPS (Latest Qtr)

$0.96

EPS (TTM)

$3.32

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$327.87M

Total Assets

$8.44B

Current Assets

Working Capital

Ownership

Promoter Holding

1.62%

Chg in Prom Hold

FII / Inst Holding

82.13%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$1.20B

Total Revenue (TTM)

$323.55M

EBITDA

Free Cash Flow

Operating Cash Flow

$108.04M

Shares Outstanding

27.85M

Gross Margin

0.00%

Payout Ratio

26.51%

Growth (CAGR)

Revenue 5Y

3.47%

Profit 5Y

5.12%

Revenue (YoY)

12.10%

Earnings (YoY)

24.70%

PROS

Excellent profit margin of 29.5%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	UVSP Univest Financial Corporation R2K	39.44	11.88	$1.10B	2.33%	-	10.29%	3.47%	5.12%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	0	-	-	-	-	-	77.06M	72.01M	-	-	79.20M	81.04M	83.25M	84.57M	87.45M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	46.63M	46.16M	48.32M	49.17M	42.99M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	27.56M	25.02M	32.06M	28.72M	33.48M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5.16M	5.04M	6.42M	5.97M	6.39M
Net Income	7.53M	7.16M	7.29M	5.24M	58.00K	6.92M	10.86M	11.78M	11.20M	10.26M	12.85M	4.36M	14.96M	18.37M	16.08M	16.47M	17.66M	15.51M	838.00K	2.08M	18.12M	25.87M	32.60M	20.88M	20.91M	20.32M	13.17M	20.80M	21.03M	16.80M	17.02M	20.30M	18.11M	-	-	22.39M	19.98M	25.64M	22.75M	27.09M
Diluted EPS	0.39	0.37	0.37	0.27	0.00	0.27	0.41	0.44	0.42	0.37	0.44	0.15	0.51	0.63	0.55	0.56	0.60	0.53	0.03	0.07	0.62	0.88	1.11	0.71	0.71	0.68	0.45	0.71	0.71	0.57	0.58	0.69	0.62	-	-	0.77	0.69	0.89	0.79	0.96

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	0	0	0	0	0	0	0	0	-	296.18M	296.82M	299.23M	328.06M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	33.90M	151.73M	201.19M	190.29M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	97.21M	88.69M	95.30M	113.35M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	19.09M	17.59M	19.37M	22.59M
Net Income	10.78M	15.76M	18.88M	20.87M	21.19M	22.23M	27.27M	19.50M	44.09M	50.54M	65.72M	46.92M	-	78.12M	71.10M	75.93M	90.76M
Diluted EPS	0.75	0.95	1.13	1.24	1.28	1.37	1.39	0.84	1.64	1.72	2.24	1.60	-	2.64	2.41	2.58	3.13

Compounded Sales Growth

5 Years:	3.47%
1 Year:	12.10%

Compounded Profit Growth

5 Years:	5.12%
1 Year:	24.70%

Stock Price Performance

1 Year:	+37.33%
6 Months:	+23.46%
3 Months:	+18.26%
1 Month:	+5.41%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	2.13B	2.21B	2.30B	2.19B	2.24B	2.88B	4.23B	4.55B	4.98B	5.38B	6.34B	-	7.22B	7.78B	8.13B	8.44B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	-	-	-	-	-	-	-	-	-	-	-	-	-	-	152.80M	249.80M	328.84M	553.71M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	22.46M	27.87M	28.65M	29.65M
Total Liabilities	-	-	1.87B	1.93B	2.02B	1.91B	1.95B	2.52B	3.73B	3.95B	4.36B	4.71B	5.64B	-	6.45B	6.94B	7.24B	7.49B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	5.00M	5.00M	-	-	-	0	127.52M	155.83M	145.33M	150.10M	-	-	243.26M	458.76M	374.26M	298.87M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	401.41M	493.61M	405.75M	327.40M
Total Equity	203.21M	267.81M	266.22M	272.98M	284.28M	280.51M	284.55M	361.57M	505.21M	603.37M	624.13M	675.12M	692.47M	-	776.50M	839.21M	887.30M	943.32M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	31.56M	31.56M	31.56M	31.56M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	20.23M	34.85M	42.70M	37.14M	32.81M	29.72M	39.34M	33.31M	68.66M	86.01M	73.15M	51.18M	-	109.45M	89.74M	75.11M	101.51M
Investing Cash Flow	-18.64M	-84.55M	-57.79M	-58.18M	21.59M	-36.30M	-190.04M	-313.93M	-332.49M	-431.32M	-343.37M	-867.39M	-	-897.61M	-454.44M	-259.74M	-83.68M
Financing Cash Flow	-15.85M	40.79M	43.32M	79.58M	-120.15M	5.92M	151.06M	277.65M	281.41M	379.32M	285.93M	910.94M	-	50.81M	461.69M	263.68M	207.04M
Capital Expenditure	-	-	-	-	-	-	-	-	-	-	-	-	-	-5.22M	-6.72M	-3.10M	-4.58M
Free Cash Flow	-	-	-	-	-	-	-	-	-	-	-	-	-	104.23M	83.02M	72.00M	96.93M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-737.35M	97.00M	79.05M	224.87M
Share Buybacks	370.00K	153.00K	1.93M	2.32M	12.01M	4.61M	13.34M	8.36M	3.52M	5.98M	2.04M	4.38M	295.00K	11.38M	462.00K	18.88M	34.62M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	26.4%	24.0%	25.4%	27.7%
ROE %	4.0%	5.9%	6.9%	7.3%	7.6%	7.8%	7.5%	3.9%	7.3%	8.1%	9.7%	6.8%	-	10.1%	8.5%	8.6%	9.6%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

1.62%

Institutions

82.13%

Public Float

83.48%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	11.17%	3.11M	$122.70M
2	FMR, LLC	6.83%	1.90M	$75.03M
3	Dimensional Fund Advisors LP	6.77%	1.89M	$74.39M
4	Vanguard Capital Management LLC	4.37%	1.22M	$48.01M
5	Manufacturers Life Insurance Co.	3.93%	1.10M	$43.21M
6	State Street Corporation	3.35%	933.69K	$36.82M
7	Pzena Investment Management LLC	3.03%	842.42K	$33.23M
8	Geode Capital Management, LLC	2.84%	790.94K	$31.19M
9	American Century Companies Inc	2.72%	758.00K	$29.90M
10	Renaissance Technologies, LLC	2.10%	583.73K	$23.02M

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